Culture builds on itself through engaged employees, and that culture, in turn, helps employees stay engaged.

More employers and HR leaders are now turning to benefits brokers because they recognize that offering a voluntary benefits program is not only a way to meet the needs of the workforce, but also a strategy for employee engagement and retention.

A new study from AdvisorSmith takes a deep dive into the percentage of residents of all 50 states and the District of Columbia who do (and don't) have insurance.